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Remortgage Advice in Doncaster

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Let us Find you the Perfect Remortgage!

It will come to a certain point in time where your mortgage will be coming to an end. It’s here where people start to look towards a possible Remortgage for their home. We often find that they get in touch three months before it finishes.

 

Remortgaging is a great way to improve your situation financially by giving you the option to consolidate any short-term debts.

 

Whether it’s to release equity, to get better rates, find a more appropriate deal, or more, we’ll always do our best to ensure the process is quicker and smoother than the first time.

 

When the time comes to Remortgage, you can usually avoid the “property chain”. This is because you already own your house this time around. We will do our best to ensure that the process goes as quickly and as smoothly as possible.

 

How does it work?Get a quote nowMeet your advisor

We search 1000s of mortgage deals across a large number of lenders, including:

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Reasons for a Remortgage

  • Marital Changes
  • Better Mortgage Rates
  • Debt Consolidation
  • Fixed Rates
  • Remove a Name from a mortgage in Doncaster
  • Other Personal Circumstance Changes

 

These are just a few examples of why people may choose to Remortgage. If there’s something we missed, give us a call, and we’ll still see how our Mortgage Advisor in Doncaster can try and help you.

 

They can help with impartial advice on what is the best option is for you based on your own set of unique requirements and circumstances.

Remortgaging Process

Similar to that of getting a regular mortgage, although the process is slightly more straightforward. You’ll still need to get a valuation, as well as hiring a solicitor who will transfer the deeds from one financial institution to another.

 

You will also need to make sure you have the right supporting documentation, and you will be subject to the same checks as a standard mortgage application – including an affordability assessment and credit check.

 

Remortgage Advice in Doncaster

Our Mortgage Advisors in Doncaster can search through thousands of Remortgage deals to find the best product for your individual needs, here are some reasons to choose us:

 

  1. We’re Open and Honest with our customers.
  2. We offer a Free Mortgage Consultation.
  3. We try and offer you the best help and support throughout the whole process.
  4. Our team is fully equipped and able to handle complicated situations regularly.
  5. We know our criteria and very experienced in Mortgages.
  6. We have unique connections with specialist mortgage lenders to find you the best deal.
  7. Feel free to read our reviews from previous customers at Reviews.co.uk.
  8. Mortgage appointments are available daytimes, evenings or weekends.

What our customers say

Common mortgage
questions

If you are on your lenders SVR (Standard Variable Rate of Interest), you increase your chances of saving money. We will help you compare new products that are available against your current mortgage deal, in order to work out these potential savings for you. If you have any existing equity in your property, a remortgage would also allow you to release some of this money for any purpose. We usually see homeowners using this for things like home improvements.

If you have built up any unsecured debts at any point, you may have the option of taking out a remortgage to cover these debts and pay them off, by increasing the size of your mortgage. This is not something we advise rushing into though, as there are some downsides. We would highly suggest that customers always seek Mortgage Advice in Doncaster before consolidating their debts!

Your initial free remortgage consultation in Doncaster will last approximately one hour. We will then compare a new deal against your current product and recommend the most appropriate deal for your personal needs, with no obligation for you to proceed. It’s then completely up to you to decide whether or not you go ahead with the mortgage.

The fees involved in your remortgage process will be similar to the ones you would’ve had when you started your existing mortgage. Your dedicated Mortgage Advisor in Doncaster will take the time to run through all of the fees with you. They will take these fees into consideration when comparing the savings of the new deal versus your current mortgage.

Your mortgage advisor in Doncaster will carry out a Fact Find to establish your personal mortgage needs, before recommending the most suitable mortgage for your situation. A credit check will then be required in order for you to obtain an Agreement in Principle, which we are able to help with. Once you have provided the lener with all the relevant documentation, and you have had a valuation of the property completed, a formal mortgage offer can then be issued.

You may have the option of taking out a second mortgage on your home for things like debt consolidation or any potential Home Improvements. It may also be possible to take out a mortgage on a second property to use on yourself, for a family member, a holiday home or even a Buy to Let.

If you’ve had credit problems previously, you may still have a chance at getting a mortgage, but you may possibly be required to put down a higher deposit than for the property than you might have if you had with good credit. This can often be 15% of the property purchase price.

You’ll generally be required to send three payslips if you are a standard employee to prove income and the latest 2 years’ accounts for self-employed. You will also need to produce proof of ID, proof of address and the previous 3 months’ bank statements.

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We make it so easy!
Our 4 step process

Step 1

An initial telephone call where we take some details and look at your Remortgage plan.

Step 2

A discussion about your personal requirements. You already own the property this time around, you can avoid the property chain!

Step 3

We will search and compare 1000s of products to find you the most appropriate deal.

Step 4

Application stage - We'll ensure everything goes smoothly with the lender. You'll have our support from your initial contact right through to when your remortgage process has completed.

A telephone call where we can take some initial details and find out about your plan of action.

Enjoy finding a property!

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

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Doncastermoneyman.com & Doncastermoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.

© 2021 Doncastermoneyman

Doncastermoneyman, 3 Cavendish Court, South Parade, Doncaster, DN1 2DJ.

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